The fastest way to know what you have
Log into your Chase account online or in the mobile app and look at the account name. Chase displays the account type right there: it will say "Chase Checking" or "Chase Savings" or something similar like "Chase Total Checking" or "Chase Savings Account." If you have multiple accounts, each one will be labeled separately. The account type also appears on your debit card (checking accounts get debit cards; savings accounts do not) and on any statements you receive by mail.
If you cannot access your account online, call Chase customer service at 1-800-935-9935. Have your account number or the phone number associated with your account ready. A representative can tell you the account type in under a minute.
You can also visit a Chase branch in person with a photo ID. A teller will confirm your account type and can answer questions about what you can do with it.
Key Takeaways
- Your Chase account type appears in the account name when you log in online or open the mobile app.
- Checking accounts come with a debit card; savings accounts do not.
- Your monthly statement lists the account type at the top or in the account summary section.
- Call 1-800-935-9935 or visit a branch if you cannot access your account online.
Where to find it on your statement
If you receive paper statements by mail, the account type is printed near the top of the first page, usually next to your account number. It may say "Checking Account" or "Savings Account" directly, or it may use the specific product name like "Chase Premier Plus Checking" or "Chase Savings."
Digital statements show the same information. Log into your Chase account, go to Statements, and open any recent month. The account type appears in the header section before the transaction list begins.
What the differences mean for how you use the account
A checking account is designed for frequent deposits and withdrawals. You get a debit card, can write checks, set up automatic bill payments, and move money in and out as often as you need. There are no limits on how many times you can withdraw or transfer money per month.
A savings account is designed to hold money and earn interest. You do not get a debit card. You can deposit money and withdraw it, but federal rules historically limited you to six withdrawals or transfers per month (this limit was suspended in 2020 and has not been reinstated, but Chase may still enforce limits on certain types of transfers). Savings accounts earn a small amount of interest on your balance; checking accounts typically do not.
If you are unsure which type fits what you need, the account name usually tells you: "checking" is for everyday spending, "savings" is for money you want to keep separate and grow slightly.
How to switch account types if you have the wrong one
You do not have to close your account and open a new one. Chase allows you to convert a checking account to savings or a savings account to checking through the mobile app or online banking. Go to your account settings, look for "Account Services" or "Account Options," and select "Change Account Type." Follow the prompts to confirm the change.
If you cannot find the option online, call 1-800-935-9935 or visit a branch. A representative can convert your account over the phone or in person. The process is immediate—your account type changes right away, though it may take a few hours for the change to show on your debit card (if you are converting to checking and need a card) or for your card to stop working (if you are converting to savings).
There is no fee to convert an account. Your account number stays the same, and any automatic payments or direct deposits linked to the account continue to work.
What to do if you have multiple Chase accounts
If you have opened more than one account with Chase, log into your account and you will see all of them listed on the main dashboard. Each account shows its type and balance. You can click on any account to view its details, transactions, and settings.
If you have forgotten how many accounts you have or what they are, call Chase or visit a branch. A representative can pull up all accounts associated with your name and Social Security number and tell you what each one is.
Why Chase might have opened a savings account for you
If you recently opened an account with Chase and are not sure what type it is, the representative who helped you may have opened a savings account by default while you were setting up. Some Chase branches do this to help new customers start building savings. You can convert it to checking at any time if you need a debit card and the ability to write checks.
Occasionally, Chase also opens a linked savings account automatically when you open a checking account, as part of certain account packages. If you see two accounts on your dashboard and only remember opening one, check the account names—one is likely checking and one is likely savings. You can close the savings account if you do not want it, or keep both and use them for different purposes.
Frequently Asked Questions
Can I have both a checking and savings account at Chase?
Yes. Many people keep both—they use checking for everyday spending and savings for money they want to set aside. You can link them together and transfer money between them instantly through the app or online banking.
Does my debit card tell me what type of account I have?
Not directly. But if you have a debit card, your account is checking. Savings accounts do not come with debit cards. If you do not have a debit card, your account is likely savings.
What if I closed an old Chase account and do not remember what type it was?
Call 1-800-935-9935 and give the representative your name and Social Security number. They can look up closed accounts and tell you what type each one was. This information is useful if you need to know for tax or record-keeping purposes.
Does it cost money to convert my account type?
No. Chase does not charge a fee to convert between checking and savings. The change happens immediately, and your account number stays the same.